Real Estate Relationship Manager I

Job description: The following is a list of essential functions, which may be subject to change at any time and without advance notice. Management may assign new duties, reassign existing duties, or eliminate a function. * Develop sales leads from existing clients in loan portfolio, independently through referral sources, and by cooperation with the Bank Management Team to attain new business relationships and product sales. * Manage a loan portfolio of existing clients and monitor loan quality; be responsible for all aspects of loan administration for this portfolio, including receipt of financial information, updating risk ratings, and ensuring timely renewals of lines of credit and reviews of term loans. * Oversee and ensure accuracy of construction loans within portfolio to include monitoring progress of projects and performance to the initial underwriting. * Interview applicant(s) and request specified information for loan application. * Oversee and ensure accuracy and performance of loan administration and processes, such as receipt of applications from prospective applicants, meeting compliance requirements, ensure completeness of loan packages, and timely processing, funding, and closing of committed loans. * Request applicant credit reports, background checks, reference checks, and other information pertinent to loan applicants' evaluations. * Analyze applicant financial status, credit, banking status, and other information to determine feasibility of granting a loan. * Compile loan package and facilitate negotiation of loan structure with applicant, that is acceptable to Bank and Bank's policies, including fees, loan repayment options, and other credit terms. * Present loans to appropriate approving authority or Loan Committee for approval. * Call and visit customers, prospects, and referral sources / centers of influence (COIs) to promote and sell all Bank products and services. * Respond to customer information requests or inquiries involving small business loans. * Provide loan data to support marketing and sales promotion programs as required. * Promote and cross-sell other Bank products and services as appropriate to customer requirements, such as deposit services, other loan services, Cash Management, Insurance, and/or Wealth Management. Compliance * Comply with all applicable regulations and Bank policies regarding employment and employment law. * Participate in annual compliance and other job-related training. * Comply with applicable bank regulations, Bank policies and procedures. * Comply with Bank's internal privacy and ethics standards. Relationships and Contacts Internal: Frequent contact with Credit Analyst in order to underwrite new credit requests, renewals, and reviews; continual contact with loan assistant on both new and existing customer relationships. External: Monthly contact with Customers of Influence (COIs) and Bank clients as needed; Occasional contact with community and economic development leaders. Education and Experience * Bachelor's degree from four-year college or university * Commercial Credit Training * Minimum of 1 year of experience in commercial lending. Skills and Competencies * Comprehensive knowledge of real estate related commercial lending, including construction lending, as well as a solid understanding of underwriting and credit. * Good verbal and written communication skills. * Satisfactory knowledge of loan documentation. * Good organizational and time management skills; the ability to prioritize tasks. * Thorough knowledge of products and services offered by the Bank. * Working knowledge of Microsoft Outlook, Excel, and Word. * Ability to remain calm and efficient under pressure to meet requirements and deadlines. Working Conditions Traditional office environment with the ability to work remotely on a hybrid basis; the office maintains five day a week operations (Monday - Friday) with operational hours of 8:00am - 5:00pm. The position also requires the individual to be out of the office. They must have reliable transportation and be able to drive and execute the physical tasks associated with outside sales calls. Moderate to frequent local travel is required. Penn community Bank is an equal opportunity employer.